Long-term care is the type of care received by someone who needs assistance performing basic Activities of Daily Living (ADLs) or needs assistance because of severe cognitive impairment. Long-term care insurance helps pay for the care you need when you can no longer care for yourself and can help protect your family's financial future.

Core LTC Benefits

Active LAPRA members are automatically enrolled in the Core LTC benefit which provides a $1,500 monthly benefit for facility or home care up to two years, after a 90-day elimination period with no inflation protection. The Core LTC benefit is paid 100 percent by LAPRA.

Optional Buy-up LTC Benefits

Because there is no one size fits all when it comes to LTC insurance, you have the opportunity to make personalized benefit selections in three key areas:

  • Monthly benefit amount: You can choose between $1,500 and $8,500 in $1,000 increments.
  • Benefit duration: You can choose 2 years, 5 years or lifetime.
  • Inflation protection: You can choose no inflation, 5% simple inflation (monthly benefit amount increases each year on the coverage effective date by using 5% of your original monthly benefit amount) or 5% compound inflation (monthly benefit amount increases each year on your monthly benefit amount in effect on that date).

Coverage for Eligible Family Members

Planning ahead for the possibility of needing long-term care makes sense. If you wait until you or a family member needs long-term care, options may be limited. If your family members are approved for coverage by Unum, they can benefit from the protection and peace of mind that long-term care insurance can provide. Your eligible family members include your spouse or registered domestic partner, children, parents, parents-in-law, grandparents and siblings.



Call Unum at 800-227-4165 to talk to a representative by phone to answer your long-term care insurance questions or to request applications or forms for yourself or eligible family members who wish to apply for LTC insurance. Representatives are available Monday - Friday from 5:00 a.m. to 5:00 p.m. PST.

NOTE: Premium rates are guaranteed for three years (July 1, 2023 - June 30, 2026). Unum reserves the right to change the premium rates after the initial guarantee period. Any increases in premium rates must be approved by the State. 




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